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Rates


Certificates of Deposit

Term Minimum to Open/Obtain APY** Interest Rate APY**
91 Days $1,000.00 0.11% 0.11%
182 Days $1,000.00 0.21% 0.21%
12 Months $1,000.00 0.50% 0.50%
18 Months $1,000.00 0.50% 0.50%
24 Months $1,000.00 0.66% 0.66%
30 Months $1,000.00 0.66% 0.66%
36 Months $1,000.00 0.81% 0.81%
48 Months $1,000.00 0.91% 0.91%
60 Months $1,000.00 1.01% 1.02%

Effective October 12, 2018
Penalty for early withdrawal
**APY – Annual Percentage Yield.
Fees may reduce earnings on the account.
Ask a Customer Service Representative about the fees and other terms that apply to these accounts.

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Money Market*

Tier*** Interest Rate APY**
$250,000 and above 0.75% 0.75%
$100,000.00 - $249,999.99 0.65% 0.65%
$50,000.00 - $99,999.99 0.50% 0.50%
$25,000.00 - $49,999.99 0.20% 0.20%
$5,000.00 - $24,999.99 0.10% 0.10%
$0 - $4,999.99 0% 0%

Effective  October 12, 2018
*Rates may change after account opening.
**APY – Annual Percentage Yield.
***Tier ranges are based on your daily available balance.
Fees may reduce earnings on the account.
Ask a Customer Service Representative about the fees and other terms that apply to these accounts.

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Checking*

Type Interest Rate APY**
Choice Checking 0.10% 0.10%

Effective February 4, 2011
*Rates may change after account opening.
**APY – Annual Percentage Yield.
Fees may reduce earnings on the account.
Ask a Customer Service Representative about the fees and other terms that apply to these accounts.
$50 minimum opening deposit

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Savings*

Type Interest Rate APY**
Regular 0.20% 0.20%
Holiday Club 0.20% 0.20%

Effective February 4, 2011
*Rates may change after account opening.
**APY – Annual Percentage Yield.
Fees may reduce earnings on the account.
Minimum daily balance requirement to avoid $6 per quarter fee is $300.
Ask a Customer Service Representative about the fees and other terms that apply to these accounts.

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Individual Retirement Accounts

Term Minimum to Open/Obtain APY** Interest Rate APY**
18 Month Variable* $1,000.00 0.45% 0.45%
91 Days $1,000.00 0.16% 0.16%
182 Days $1,000.00 0.26% 0.26%
12 Months $1,000.00 0.55% 0.55%
18 Months $1,000.00 0.55% 0.55%
24 Months $1,000.00 0.71% 0.71%
30 Months $1,000.00 0.71% 0.71%
36 Months $1,000.00 0.86% 0.86%
48 Months $1,000.00 0.96% 0.96%
60 Months $1,000.00 1.06% 1.07%

Effective October 12, 2018
Penalty for early withdrawal.
*Rates may change after account opening.
**APY – Annual Percentage Yield.
Fees may reduce earnings on the account.
Ask a Customer Service Representative about the fees and other terms that apply to these accounts.

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USB Personal Mobile and Online Banking

Track your money with mobile and online banking.   

  • Receive a text message when your direct deposit is made

  • Get a text message alert when a check clears or debit card payment is made

  • Set yourself up to receive a notice when your account drops below an amount you are comfortable with

    login button

Enroll Now

Business Customers should contact a CSR at any branch for enrollment forms.

USB Debit Card Enhancements

United Southern Bank debit card

There is more protection for your USB Card.

Use CardValetR within your mobile app to block use of your card, set purchasing limits and spending parameters.

Use your USB Card for purchases within your mobile wallet with AppleR and Android PayTM where accepted by retailers.

Get an immediate text alert if we suspect fraud and simply text us back if it's you for an approved transaction.

Use your USB Debit card with no surcharge fees at Presto at Publix Grocery stores and Allpoint locations through out the United States.  To find an Allpoint location download the app or click here.